What is personal health insurance?
Unexpected medical needs and rising healthcare costs can be a significant financial burden. Personal health insurance provides Texas residents with a financial safeguard against covered medical costs, often helping them handle expenses related to routine prescriptions, visits to the emergency room, chronic disease management, and more.
Personal health insurance assists with paying covered medical expenses. These can range from preventative care, to acute care and chronic treatment.
Who in Texas needs private health insurance?
Almost all Texas residents should have health insurance coverage. Private health insurance may provide coverage when employer and government plans aren’t available.
For many residents, health insurance is indeed available through an employer or the government. Employer-sponsored plans, Medicare and Medicaid are normally preferable primary health insurance plans if they’re available. When such plans aren’t available, however, private health coverage is frequently the best option.
Additionally, some residents purchase private health coverage to supplement an employer or government plan. This is especially common when supplementing Medicare coverage with a Medigap policy.
Residents who would like to explore their health coverage options can discuss available plans with an insurance agent who specializes in health coverage. A knowledgeable agent will be familiar with employer and government plans, and know how to get coverage even if these aren’t available or if they need to be supplemented with a private plan.